B
The Golden 1 Credit Union
Sacramento, CA
Data as of
June 30, 2021
Risk Based
Capital Ratio
9.54
Leverage
Ratio
9.42
Return On
Assets
0.87%
Total
Assets
17.54B
Capital
1.67B
Total
Deposits
15.69B
Net
Income
74.27M
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Major Rating Factors: A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.4.
Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (5.3) profitability.
Asset Mix: Consumer loans (27%), home mtgs (24%), securities (3%), other (46%)
Asset Quality
Non-Performing Loans to Capital
1.62%
Non-Performing Assets to Assets
0.16%
Non-Performing Loans to Loans
0.30%
Loan Loss Reserves to Loans
0.96%
Charge-Offs to Average Loans
0.22%
5-Year Charge-Offs to Average Loans
0.42%
5-Year Asset Growth
11.01%
1-Year Asset Growth
17.37%
Profitability
Operating Profit to Average Assets
0.86%
Return on Equity
9.05%
Net Interest Spread
2.46%
5-Year ROAA (Return on Average Assets)
0.75%
Overhead Efficiency Ratio
73.13%
Liquidity
Liquidity Ratio
24.53%
Hot Money
6.15%
Corporate Info
Address
8945 Cal Center Drive
Sacramento, CA 95826
Phone Number
(916) 732-2900
NCUA Charter Number
Largest Competitors
Weiss Ratings